Abstract: A towel-dispensing golf bag insert comprising an elongated tubular container having a central axis, a cap removably mounted to one end of the container, a rod of about the same length as the container and located along the container's central axis, and a base mounted to the end of the rod opposite the cap. The rod is reciprocable along the central axis of the container when the cap is removed and several towels are concentrically wrapped around the shaft of the rod being securely held against the rod as it is reciprocated. The rod further includes several vertically-spaced shelves which operate to separate the towels along the rod and a handle mounted to the end of the rod opposite the base for use in reciprocating the rod within the container. An end plug is also fixedly mounted to the end of the container opposite the cap and the completed towel dispenser is insertable into a conventional golf bag.